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    Peggie63's Avatar
    Peggie63 Posts: 2, Reputation: 1
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    #1

    Feb 12, 2008, 06:57 PM
    How do I include my name on a mortgage without refinancing?
    I have a dilemma. I have been in a relationship for 10 years, however, my name is not on the mortgage or the deed. We have discussed putting my name on the deed and or the mortgage, but before we were able to refinance and include me in the mortgage, my Ex lost a long term job, and I do not make enough myself to qualify for a mortgage even though I am making the payments. Is there any way to add my name to the mortgage and deed without having to refinance?
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #2

    Feb 12, 2008, 07:11 PM
    Talk to your mortgage lender.
    Peggie63's Avatar
    Peggie63 Posts: 2, Reputation: 1
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    #3

    Feb 13, 2008, 02:43 PM
    Quote Originally Posted by ScottGem
    Talk to your mortgage lender.
    I was really hoping for a little more information before I spoke to the lender. That way I wouldn't be walking in blind to the terms and the possible outcomes.
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
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    #4

    Feb 13, 2008, 03:47 PM
    Sorry but it is completely up to your lender and perhaps even the type of loan.

    If you wanted to take a name off, that is a lot harder, they may merely allow you to sign a amendment to the loan, or just allow you to sign a new loan document, But there is no way to make them do anything, it will be completely up to the loan company, the terms of the loan, and even perhaps the type of loan
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #5

    Feb 13, 2008, 05:49 PM
    That's the point, its totally up to the lender. Each one has their own rules and terms. Since its only adding your name there may be no big deal.
    Cvillecpm's Avatar
    Cvillecpm Posts: 553, Reputation: 28
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    #6

    Feb 14, 2008, 03:58 PM
    Property owner can quit claim portion/% of the property to you to get your name on TITLe and you do NOT have to refinance the property - it remains as a lien and you have % interest in the equity... talk to an attorney or title company
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